STT Fundamental Analysis - STATE STREET CORP

Fundamental Rating

STT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 236 industry peers in the Capital Markets industry. STT may be in some trouble as it scores bad on both profitability and health. STT has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year STT was profitable.

STT had a negative operating cash flow in the past year.

STT had positive earnings in each of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: STT reported negative operating cash flow in multiple years.

1.2 Ratios

STT has a worse Return On Assets (0.70%) than 69.49% of its industry peers.

STT has a Return On Equity (9.66%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.7%
ROE	9.66%
ROIC	N/A

ROA(3y)0.73%

ROA(5y)0.75%

ROE(3y)9.34%

ROE(5y)9.21%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

STT has a Profit Margin (19.68%) which is in line with its industry peers.

In the last couple of years the Profit Margin of STT has grown nicely.

The Operating Margin and Gross Margin are not available for STT so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	19.68%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.7%

PM growth 5Y2.25%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

STT has less shares outstanding than it did 1 year ago.

STT has less shares outstanding than it did 5 years ago.

The debt/assets ratio for STT is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 1.40 is on the high side and indicates that STT has dependencies on debt financing.

STT has a Debt to Equity ratio of 1.40. This is in the lower half of the industry: STT underperforms 66.95% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.4
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

STT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.24%, which is quite impressive.

STT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.08% yearly.

STT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.83%.

STT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.03% yearly.

EPS 1Y (TTM)22.24%

EPS 3Y5.35%

EPS 5Y7.08%

EPS Q2Q%23.01%

Revenue 1Y (TTM)8.83%

Revenue growth 3Y2.63%

Revenue growth 5Y2.03%

Sales Q2Q%8.78%

3.2 Future

Based on estimates for the next years, STT will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.31% on average per year.

Based on estimates for the next years, STT will show a small growth in Revenue. The Revenue will grow by 3.00% on average per year.

EPS Next Y14.2%

EPS Next 2Y12.74%

EPS Next 3Y13.52%

EPS Next 5Y9.31%

Revenue Next Year6.32%

Revenue Next 2Y5.1%

Revenue Next 3Y4.89%

Revenue Next 5Y3%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.59, the valuation of STT can be described as reasonable.

STT's Price/Earnings ratio is a bit cheaper when compared to the industry. STT is cheaper than 64.83% of the companies in the same industry.

STT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.69.

With a Price/Forward Earnings ratio of 10.43, the valuation of STT can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of STT indicates a somewhat cheap valuation: STT is cheaper than 66.10% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 23.18. STT is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.59
Fwd PE	10.43

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as STT's earnings are expected to grow with 13.52% in the coming years.

PEG (NY)0.82

PEG (5Y)1.64

EPS Next 2Y12.74%

EPS Next 3Y13.52%

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5. Dividend

5.1 Amount

STT has a Yearly Dividend Yield of 3.02%.

Compared to an average industry Dividend Yield of 8.46, STT has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.34, STT pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.02%

5.2 History

On average, the dividend of STT grows each year by 6.75%, which is quite nice.

STT has paid a dividend for at least 10 years, which is a reliable track record.

STT has decreased its dividend recently.

Dividend Growth(5Y)6.75%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

STT pays out 40.79% of its income as dividend. This is a bit on the high side, but may be sustainable.

STT's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP40.79%

EPS Next 2Y12.74%

EPS Next 3Y13.52%

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STATE STREET CORP

NYSE:STT (10/20/2025, 8:17:38 PM)

After market: 115.29 0 (0%)

115.29

+3.92 (+3.52%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)10-17 2025-10-17/bmo

Earnings (Next)01-15 2026-01-15/amc

Inst Owners93.48%

Inst Owner Change0.06%

Ins Owners0.35%

Ins Owner Change0.28%

Market Cap32.71B

Analysts77

Price Target122.57 (6.31%)

Short Float %1.64%

Short Ratio2.73

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.02%

Yearly Dividend3.5

Dividend Growth(5Y)6.75%

DP40.79%

Div Incr Years1

Div Non Decr Years1

Ex-Date10-01 2025-10-01 (0.84)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)3.78%

Min EPS beat(2)0.96%

Max EPS beat(2)6.61%

EPS beat(4)4

Avg EPS beat(4)4.73%

Min EPS beat(4)0.96%

Max EPS beat(4)6.61%

EPS beat(8)8

Avg EPS beat(8)6.45%

EPS beat(12)11

Avg EPS beat(12)4.16%

EPS beat(16)15

Avg EPS beat(16)4.71%

Revenue beat(2)1

Avg Revenue beat(2)-0.11%

Min Revenue beat(2)-2.06%

Max Revenue beat(2)1.83%

Revenue beat(4)3

Avg Revenue beat(4)0.65%

Min Revenue beat(4)-2.06%

Max Revenue beat(4)1.83%

Revenue beat(8)6

Avg Revenue beat(8)-0.27%

Revenue beat(12)7

Avg Revenue beat(12)-0.41%

Revenue beat(16)10

Avg Revenue beat(16)-0.39%

PT rev (1m)0.98%

PT rev (3m)4.56%

EPS NQ rev (1m)2.39%

EPS NQ rev (3m)4.57%

EPS NY rev (1m)0%

EPS NY rev (3m)2.76%

Revenue NQ rev (1m)0.78%

Revenue NQ rev (3m)2.67%

Revenue NY rev (1m)0.22%

Revenue NY rev (3m)1.81%

Valuation

		Industry Rank	Sector Rank
PE	11.59
Fwd PE	10.43
P/S	2.44
P/FCF	N/A
P/OCF	N/A
P/B	1.2
P/tB	1.78
EV/EBITDA	N/A

EPS(TTM)9.95

EY8.63%

EPS(NY)11.06

Fwd EY9.59%

FCF(TTM)-41.58

FCFYN/A

OCF(TTM)-37.95

OCFYN/A

SpS47.24

BVpS96.25

TBVpS64.77

PEG (NY)0.82

PEG (5Y)1.64

Profitability

		Industry Rank	Sector Rank
ROA	0.7%
ROE	9.66%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.68%
GM	N/A
FCFM	N/A

ROA(3y)0.73%

ROA(5y)0.75%

ROE(3y)9.34%

ROE(5y)9.21%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.7%

PM growth 5Y2.25%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	1.4
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	219.66%
Cap/Sales	7.67%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)103.02%

Cap/Depr(5y)79.65%

Cap/Sales(3y)6.67%

Cap/Sales(5y)6.31%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)22.24%

EPS 3Y5.35%

EPS 5Y7.08%

EPS Q2Q%23.01%

EPS Next Y14.2%

EPS Next 2Y12.74%

EPS Next 3Y13.52%

EPS Next 5Y9.31%

Revenue 1Y (TTM)8.83%

Revenue growth 3Y2.63%

Revenue growth 5Y2.03%

Sales Q2Q%8.78%

Revenue Next Year6.32%

Revenue Next 2Y5.1%

Revenue Next 3Y4.89%

Revenue Next 5Y3%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-267.95%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-238.23%

OCF growth 3YN/A

OCF growth 5YN/A

STATE STREET CORP (STT) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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